Things Your Comprehensive Car Insurance Does (And Does Not) Cover

In our earlier article, we identified comprehensive car insurance cover as the policy that offers the most protection for car owners (the other two being third-party and third-party, fire & theft). But are you really protected against everything that could possibly happen to your car? Or are there limitations to your comprehensive car insurance policy?

In this article, we’ll show you the things you are insured against, and the things you are not, when you take up a comprehensive car insurance policy.

Advertisement

The coverage you enjoy

First, let’s start off with the coverage you enjoy with a standard comprehensive car insurance policy:

– Loss or damage to your own vehicle due to accident, fire and theft

– Third-party death or bodily injury

– Third-party property damage or loss

Take note that unless otherwise stated in your car insurance policy, the three items above are the only things you are insured against, and nothing else.

And yes, your own death or bodily injuries are NOT covered… despite what many people think.

The coverage you think is included, but actually you need to pay for

Money talks, even for car insurance. By paying extra premium, you can enjoy plenty of additional coverage in addition to the three items mentioned above.

The following are some of the common items you do not have in a typical comprehensive car insurance policy, that can be paid for by forking out extra Ringgit:

ADD-ON

COVERAGE

Windscreen

Breakage of windscreens, windows.

Special Peril

Loss or damage arising from flood, storm, typhoon, landslide and other acts of nature.

Strike, Riot and Civil Commotion

Loss or damage caused by strike, riot and civil commotion.

Legal Liability to Passengers

Protects against legal liabilities brought against you by your passengers.NOTE: If you intend to drive to Singapore, you MUST have this coverage. Failure to comply is an offence punishable by law.

Legal Liability of Passengers

Covers the legal liability of your passengers for acts of negligence (eg. a passenger in your car opens the car door and causes an accident).

Additional Drivers

Covers additional named drivers for your car.NOTE: You can name up to two drivers per car for free. Additional named drivers starting from the third driver are chargeable at RM10 per person.

Ultimately, understand that your comprehensive car insurance policy is not that all-encompassing as you may have thought (despite the word “comprehensive” being in the title of the policy). If needed, always make sure you protect yourself by buying the additional coverage you need the most!